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Wraparound mortgage definition6/10/2023 It can be expressed as the actual rate or as the amount of change allowed above the start rate. While the payments are initially low, they will increase when the subsidy expires.Ĭap The highest rate that an adjustable rate mortgage may reach. ![]() Brokers usually charge a fee or receive a commission for their services.īuy Down When the lender and/or the home builder subsidizes the mortgage by lowering the interest rate during the first few years of the loan. Could also be referred to as Chapter 7, 11 or 13.īroker An individual in the business of assisting in arranging funding or negotiating contracts for a client but who does not loan the money himself. This is the entity to which the loan is owed.īK / Bankruptcy A reorganization or discharge of debts. It is expressed as a percentage.īalloon Usually a short-term fixed-rate loan which involves small payments for a certain period of time and one large payment for the remaining amount of the principal at a time specified in the contract.īeneficiary The entity funding the loan. This must be approved by the lender and be allowed by the note, which was originally signed by the seller.īack End This refers to the debt-to-income ratio calculated using principal, interest, taxes, insurance and consumer credit obligations divided by gross monthly income. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan.Īppraisal An estimate of the value of real property, made by a qualified professional called an "appraiser." An appraisal will be needed to determine the value of your property.Īssumption The agreement between buyer and seller where the buyer takes over the payments on an existing mortgage from the seller. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs. A fully amortized loan will be completely paid off at the end of the loan term.Īnnual Percentage Rate (APR) An interest rate reflecting the cost of a mortgage as a yearly rate. This is standardized coverage.Īmortized / Amortization Amortization refers to the principal portion of the loan payment and is the loan payment by equal periodic payments calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance. ![]() ![]() (ARM)Īdjustment Interval On an adjustable rate mortgage, the time between changes in the interest rate and/or monthly payment, typically one, three or five years, depending on the index.Īmerican Land Title Association (ALTA) An organization of title companies specializing in Real Property Law which has standardized forms and coverage on a national basis. Also sometimes known as the renegotiable rate mortgage, the variable rate mortgage or the Canadian rollover mortgage. ![]() Please click on the letter below to skip to the definition of the word you are looking for.Ī B C D E F G H I J K L M N O P Q R S T U V W X Y Zġ003 Uniform Residential Loan Application.Ī & D LOAN Acquisition and development loan- a loan for the purchase of raw land for the purpose of development.Ībstract Title A written history of the ownership of a parcel of land.Īcceleration Clause Allows the lender to speed up the rate at which your loan comes due or even to demand immediate payment of the entire outstanding balance of the loan should you default on your loan.Īcknowledgment A declaration by a notary, certifying, by way of personal knowledge or written identification, the identity of the signer.Īdjustable Rate Mortgage (ARM) Is a mortgage in which the interest rate is adjusted periodically based on a pre-selected index. Macropedia vol 10 p. 1456/10/2023 ![]() ![]() The Micropædia was meant for quick fact-checking and as a guide to the Macropædia readers are advised to study the Propædia outline to understand a subject's context and to find more detailed articles. The 15th edition has a three-part structure: a 12-volume Micropædia of short articles (generally fewer than 750 words), a 17-volume Macropædia of long articles (two to 310 pages), and a single Propædia volume to give a hierarchical outline of knowledge. announced it would no longer publish printed editions and would focus instead on the online version. In March 2012, Encyclopædia Britannica, Inc. In 1933, the Britannica became the first encyclopaedia to adopt "continuous revision", in which the encyclopaedia is continually reprinted, with every article updated on a schedule. Starting with the 11th edition and following its acquisition by an American firm, the Britannica shortened and simplified articles to broaden its appeal to the North American market. Its rising stature as a scholarly work helped recruit eminent contributors, and the 9th (1875–1889) and 11th editions (1911) are landmark encyclopaedias for scholarship and literary style. The encyclopaedia grew in size: the second edition was 10 volumes, and by its fourth edition (1801–1810) it had expanded to 20 volumes. It was first published between 17 in the Scottish capital of Edinburgh, as three volumes. Printed for 244 years, the Britannica was the longest running in-print encyclopaedia in the English language. Since 2016, it has been published exclusively as an online encyclopaedia. The 2010 version of the 15th edition, which spans 32 volumes and 32,640 pages, was the last printed edition. The encyclopaedia is maintained by about 100 full-time editors and more than 4,000 contributors. the company has existed since the 18th century, although it has changed ownership various times through the centuries. It is published by Encyclopædia Britannica, Inc. The Encyclopædia Britannica ( Latin for "British Encyclopædia") is a general knowledge English-language encyclopædia. Mac torrent download adobe zii patcher6/10/2023 ![]() It was created by team tnt and released in 2016. But if you just want individual Adobe apps like Photoshop or Lightroom without paying monthly subscription fees, then give Adobe Zii a try – it just might be the solution you were looking for! Adobe Zii 2022 RedditĪdobe Zii is a software that allows users to get discounts on Adobe products. Also, this method only works for individual apps if you want to crack Creative Cloud (CC), which gives you access to all of Adobe’s apps plus some additional features, then you need a different software tool called AMT Emulator (which we will discuss in another blog post). One thing to keep in mind is that Adobe Zii only works on Mac computers if you try to use it on a Windows PC, it won’t work. ![]() That’s it! The process is pretty much automated from there and doesn’t require any technical knowledge. Then simply navigate to your Applications folder and select the app you want to patch. It was created by the team at TNT and works like a charm! All you need to do is download the software, run it, and then select the “Patch or Drag” option. However, I hate the fact that they’re so expensive! Luckily, there’s a way to get all of your Adobe apps for free, and it’s called Adobe Zii.Īdobe Zii is a software tool that allows you to crack any Adobe app on Mac (including Photoshop, Lightroom, Illustrator, etc.). I love their products they’re industry standard and make my life as a creative much easier. Here’s how to use it: If you’re like me, you probably have a love-hate relationship with Adobe. How to Use Adobe Zii 2022?Īdobe Zii is a great way to get all of your Adobe apps for free. We recommend purchasing a legitimate license from Adobe in order to avoid such problems in future. If you’re using a pirated copy of Adobe Creative Cloud products, then it’s likely that you’re facing this issue because of it. ![]() Try running a virus scan or repairing any corrupt system files using a utility like “SFC /scannow”. There might be some corrupt files on your system that are causing this issue. Make sure that your system meets the minimum requirements specified by Adobe before trying to install or run the program again. Your system might not meet the minimum requirements for running Adobe Zii 2022. There can be several reasons why this might be happening: However, some users have reported that they are facing issues with Adobe Zii 2022 not working properly on their systems. It was first released in 2016 and the latest version, Adobe Zii 2021, was released in 2020. The software is available for both macOS and Windows platforms. The program is developed by the ru company named TNT. Adobe Zii 2022 Not WorkingĪdobe Zii is a software program that allows users to activate Adobe Creative Cloud products. With this patcher, you can easily activate any Adobe Creative Cloud application with just a few clicks. It is very easy to use and it supports all the major Adobe Creative Cloud applications. Just download the app, launch it, and select the apps you want to patch.Īdobe Zii Patcher is a powerful software that can help you to patch and activate Adobe Creative Cloud applications. It’s easy to use and doesn’t require any technical knowledge. Adobe Zii is a small and simple app that allows you to patch your Adobe CC apps on Mac. Stick em up 2 paper adventures6/10/2023 ![]() ![]() Why are we so afraid to fail? Why isn’t it ok to really stink at something? Without risk-taking there would be no innovation, no growth, no progression! You really can’t win them all, so why not take a chance? Being wrong isn’t so bad, trust me. That includes trying to get better at the things we HAVE tried, but aren’t very good at. News flash – nobody is perfect! We have to step outside of our comfort zones and push ourselves to try new things. Not every decision you make is going to be the right one. I can’t agree with these words of wisdom more! I have found that in order to get ahead in life – in any aspect, creative or otherwise – we have to take risks. We only have a limited quantity, which means when they are gone, they are gone! You can imagine my delight when the first batch of stickers was delivered here to Primitive Gatherings yesterday. With every purchase of $30.00 or more (order must total $30.00 before tax and shipping), you will receive one of these adorable stickers as a FREE GIFT while supplies last! Once the month is finished, stickers left over from that month will be offered for sale. I’m excited to announce that starting April 1st, 2022 we will be featuring a “Sticker of the Month” here at Primitive Gatherings! Each month I will feature a new custom, collectible sticker. I think you’re really going to like what I came up with… So often that I decided that I finally need to put all these great ideas to good use. I have them all over the place – on my computer, my water bottles, planners – even on my sewing machines! I’m always brainstorming on my next big idea, and sticker designs come to my mind often. Do you love stickers as much as I do? They are seriously one of my favorite things. Macos high sierra slow6/10/2023 ![]() It’s good practice to uninstall them as well. Check the partition for large files, deleting or transferring them elsewhere (especially photos and videos which tend to take much more space than other types of files).Īlso, unused applications could stack up. How to fix: Free up storage as much as you can. The latest macOS requires at least 14.3GB of free disk space. Possible cause: The startup disk on the Mac that High Sierra will be installed on lacks storage space. Here are two screenshots I took: Issue 2: Not Enough Disk Space to Install How to fix: Restart your Internet router, or move your Mac machine to a better location with a stronger signal.įor me, it only took a few minutes for the download to complete before the installation window popped up. Possible cause: Your Internet connection is weak. During macOS High Sierra Installation Issue 1: Downloading Process is Slow Note: it’s very unlikely that you’ll encounter all of the issues below, so feel free to navigate through the Table of Contents to jump to the issue that is exactly the same or similar to your situation. Plus, it takes more time to clean and back up your Mac - and deal with those unexpected issues like the ones I encountered.Īll done? Great! Now here is the list of issues and fixes you may reference in case of problems show up. The installation process alone will take about two hours to complete (ideally). Instead, I think it’s best that you set a time to do this on a weekend. Choose the right time to update – Do NOT install High Sierra at work. You can learn more details from Issue 3 below.ĥ. If your Mac is currently running an older Sierra version other than 10.12.6, you can’t successfully install High Sierra. Update to 10.12.6 FIRST – This helps avoid an issue where your Mac keeps hanging in the “about a minute remaining” window. Time Machine is the go-to tool but you can also use advanced Mac backup apps which have some key features Time Machine doesn’t offer, such as bootable backups, the ability to select which files to backup, lossless compression, etc.Ĥ. Backup your data – It’s always good practice to backup your Mac once in a while - or as they say, make a backup of your backups! Apple also recommends us to do that for major macOS upgrades, just in case. You can also read our detailed guide on the best Mac cleaner software.ģ. That’s the most effective solution I’ve found. How to clean? There are lots of manual things you can do, but I recommend using CleanMyMac to remove system junk and Gemini 2 to find large duplicates. Plus, it’ll take you less time to back up. The more free space you have, the better. Clean up your Mac – Per Apple, High Sierra requires at least 14.3GB of storage space to perform the upgrade. Apple has a clear list of which Mac models are supported. Check your Mac model – Not all Macs, especially old ones, are able to upgrade. If you have decided to update to High Sierra but have yet to do so, here are a few things (based on the order of priority) I highly recommend you check out in advance so you can avoid potential problems.ġ. Issue 8: Safari, Chrome, or Firefox Slow.Issue 7: App Crashes or Can’t Be Opened upon Start.Issue 3: Freezes or Stuck at A Minute Remaining.Issue 2: Not Enough Disk Space to Install. Mediawiki search extension6/10/2023 ![]() To fix, find the $wgServer value in the LocalSettings. overridemidi: Known file name, that is, if overridemidi'name' is given, File:name does not yield a red link (deprecated) Instead you can add a File:superior midi filename.mid wikilink after the closing </ score > tag.Your LocalSettings.php file must be edited to reflect HTTPS for your domain. midi (removed) This used to control whether the rendered score image linked to a MIDI file. Its available and powered by the CirrusSearch (based on ElasticSearch) which is the used search engine in the MediaWiki sites, and the Wikimedia platform. You may notice that MediaWiki loads incorrectly or shows 'insecure content' warnings in the browser bar after you add an SSL certificate to the domain where MediaWiki is installed. See the following articles for further instructions:įixing MediaWiki after adding an SSL certificate to a domain ![]() For example, you can change the following URL example: /w/index.php?title=Main_Page You can shorten the URLs to appear more user friendly. See the following article for further details:Īfter you finish troubleshooting your install, you should disable your debugging settings. By enabling this, you are provided detailed debugging information to help isolate the cause. You can enable debugging by adding lines at the bottom of your LocalSettings.php file. You can disable non-user edits with this feature. User rights You also have control over user rights. 5 It was developed for use on Wikipedia in 2002, and given the name 'MediaWiki' in 2003. It is used on Wikipedia and almost all other Wikimedia websites, including Wiktionary, Wikimedia Commons and Wikidata these sites define a large part of the requirement set for MediaWiki. However, you can restrict who has the ability to create accounts. MediaWiki is a free and open-source wiki software. Restrict account creation By default, anyone can create an account on your wiki. CAPTCHA Enabling a Captcha on any form helps to reduce spam. Not all of which is obvious, so it's worthwhile for administrators to read through this too, as you might wish to refer your wiki users to this. Look for this extensions name in Wikimedias CommonSettings.php and InitialiseSettings.php configuration files to see where its installed. This probably means that the extension is stable and works well enough to be used by such high-traffic websites. MediaWiki Wiki Spam Description of what wiki spam is, and instructions on how any user can help tackle the wiki-spam problem (not just administrators). This extension is being used on one or more Wikimedia projects. Blocking MediaWiki spam Combating SPAM Provides steps you can take to combat SPAM on your website. If a page is 'watchlisted' by 100 users who have that user preference enabled, then a change to that page uses up your quota for an hour, if you are on Shared Hosting. Given the SMTP quota, you need to be careful if you enable $wgEnotifWatchlist. Otherwise, the email that users try to send each other through Special:EmailUser on your wiki cannot be delivered. This spoofs the domain so that the sending user's email is in a Reply-To header instead of the From header. Pacific northwest national lab6/10/2023 ![]() These exercises have proven the strategic capability of the EIOC in evaluating cutting edge technologies in collaboration with industry. The class was designed to simultaneously meet the goals of objectively evaluating the benefits of an advanced visualization tool and to also meet the goals of providing NERC certified training to power system operators. The conventional tabular contingency analysis and the advanced graphical contingency analysis have been integrated into the WECC Transmission Operations with Voltage Control class, which was delivered by WECC Trainer Robert Eubank. Control room operators from several Northwest utilities participated in exercises identifying and preventing the occurrence of cascading blackouts using the 29 station hypothetical PALCO system in Generic PowerSimulator.ĭuring June 14th to 18th, 2010 the operator performance experiment was taken to a new level at the PNNL EIOC. Gary Klein model for expert decision making by integrating levels of situation awareness, with the process of building a complete and consistent “story”.Īt EIOC at PNNL in Richland, WA, IncSys and PNNL pioneered one of the first formal human factors studies of operator performance with a control group and an experimental group to evaluate the effectiveness of Graphical Contingency Analysis. The initial research has been presented at the NDM 9 conference “Natural Decision Making for Power System Operators’. IncSys and PNNL have been cooperating on cognitive task analysis as a basis for operator training and operator decision tools since fall of 2008. The new technologies developed here will be transferable across the industry and address the national need for a more reliable and effective electricity grid. Shaped with input from utilities, technology vendors and researchers across the Northwest, the EIOC serves as a unique platform for researching, developing and deploying technologies to better manage and control the grid. They recognize and understand the need for new tools that provide not only a better view of the current power grid, but also faster and more accurate predictions of what might be happening so operators can quickly respond. The focus is on developing real-time tools and supporting their integration into operating systems. PNNL researchers are exploring how changes in the way the nation’s electrical grid is operated can improve its reliability, lower costs and lessen environmental impacts. ![]() The Electricity Infrastructure Operations Center (EIOC) at Pacific Northwest National Laboratory brings together industry-leading software, real-time grid data and advanced computation into a fully capable control room. Photo mosaic puzzles6/10/2023 Premiere Magazine selected The Truman Show Photomosaic poster as one of the top 50 ![]() LIFE Magazine’s Photomosaic cover won a Merit Award from The Art Director’s Club. Mastercard’s Photomosaic was awarded First Price for print advertising at the CIMA Awards Their “Painting the Century” exhibit, highlighting influential art of the 21st century. The National Gallery in London selected Silvers’ portrait of Microsoft Chairman Bill Gates for Tangent Comtemporary Art , New York Museum of Modern Art – permanent collection “Information Landscapes”, Scott Richards Contemporary Art, Art Santa Fe/ Art Toronto, Russeck Gallery, Palm Beach, Florida, Maruani & Noirhomme Gallery, Knokke, Belgium., Russeck Gallery, San Francisco, CA., Art Palm Beach, Fabien Fryns., FIAC, Paris, Galerie Punto., TIAF, Toronto, Fabien Fryns., Art Chicago, Galerie Punto., ARCO, Madrid., Art Miami, Fabien Fryns., National Portrait Gallery, London., TIAF, Toronto, Fabien Fryns., ART BASAL, Studio Trisorio., MIART, Milan, Fabien Fryns., Velge and Noirhomme Gallery, Brussels., Photography Triennale, Milan., ARTISSIMA, Turin, Fabien Fryns., European Academy, London. Robert resides out outside of Boston, MA.ĮDUCATION: MIT Media Lab, Boston Massachussetts In 2016, his digital art entitled Information Landscapes was accepted by the NY MOMA. His advertising has made over 4 billion impressions. His clients include Allure Magazine, US Army, Bayer, Bechtel, Anheuser Busch, B-52, Booz Allen, Boston Globe, Bristol-Myers Squibb, Daimier-Chrysler, Epcot Center, Esquire Magazine, Foote, Cone, and Belding, Forbes Magazine, ford Motor Company, Fortune Magazine, GE Medical, Genentech, George Eastman House, Hallmark, Harper Collins, Harvard, Jeep, Kraft Foods, Leo Burnett, Liberty Mutual, Kraft, NASCAR, Comcast, Williams Sonoma, USDA, Blue Cross Blue Shield, Harley Davidson, The Simpson’s, LIFE Magazine, Mad Magazine, Major League Baseball, Microsoft, Noxema, PBS, Proctor & Gamble, Sesame Street Workshop, Steven Spielberg, Sybase, Time Magazine, United Airlines, US Navy, USA Weekend, USDA, Warner Bros., Wendy’s, Young & Rubicam, Audi, Coca Cola, CNN, Disney, HP, IBM, Library of Congress, Lucasfilm, Mastercard, National Geographic, Sports Illustrated, Newsweek, Paramount Pictures, Playboy, Boeing, General Motors, McDonalds, Pfizer, Toyota, and over 1000 others. ![]() His Fine Art prints are owned by Opera Winfrey, Steven Spielberg, Kathleen Kennedy, Elton John, Paul McCartney, Bill Gates, Ferrari, and the King of Jordan, among others. Since then, he has sold over 600,000 posters, three million jigsaw puzzles, and over 200,000 copies of his books. ![]() He was commissioned to create the 60th Anniversary cover of LIFE Magazine, and then found himself on national television and featured on shows such as Dateline NBC and Opera. Robert Silvers invented the Photomosaic® when he was still a student at the Massachusetts Institute of Technology. Macfusion problems with sierrsa6/10/2023 ![]() Select advanced options: Allow guest users. Control-click the name of the shared folder, then choose Advanced Options. (You may need to scroll down.) Turn on File Sharing, then click the Info button on the right. Your Mac will restart from your Fusion Drive when finished. On your Mac, choose Apple menu > System Settings, click General in the sidebar, then click Sharing on the right. Choose Reinstall macOS, then follow the onscreen instructions to reinstall the Mac operating system.When Terminal indicates that the operation was successful, exit Terminal to return to the macOS Utilities window.Then press Return.ĭiskutil cs createVolume logicalvolumegroup jhfs Macintosh\ HD 100%Įxample: diskutil cs createVolume 8354AFC3-BF97-4589-A407-25453FD2815A jhfs Macintosh\ HD 100% On your Mac, choose Apple menu > System Settings, click General in the sidebar, then click Sharing on the right. Type the following command, replacing logicalvolumegroup with the number you found in the previous step.If your Fusion Drive’s SSD appears to be failing, ensure you have a complete backup of your Mac before you do anything else. - Logical Volume Group 8354AFC3-BF97-4589-A407-25453FD2815A DriveDx’s diagnostic shows a very not good situation. Find the string of numbers that appears after "Logical Volume Group" for the volume named Macintosh HD. Yuma’s only hospital the Yuma Regional Medical Center has more than 20. We’ve seen the strain our border communities experience every day. Terminal will display additional data about your drives (volumes). Problems will intensify as Title 42 ends.Type diskutil cs list, then press Return.Then enter same command again using the second identifier. ![]() If you get a disk unmounting error, enter diskutil unmountDisk identifier, using the first identifier you gathered previously.Then press Return.ĭiskutil cs create Macintosh\ HD identifier1 identifier2Įxample: diskutil cs create Macintosh\ HD disk0 disk1 Type the following command, replacing identifier1 and identifier2 with the identifiers you found in the previous step. ![]() One of them should be 128 GB or less in size. Usually the identifiers are disk0 and disk1. In the IDENTIFIER column, find the identifier for each of the two internal, physical drives that make up your Fusion Drive.
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